Whether it is Fuzhou or other regions, it is best to go to a local bank to apply for a mortgage loan. Bank loans are relatively formal. Generally, home mortgage loans take 22-25 working days.

The conditions for real estate mortgage loans are as follows:

Natural persons aged 18-65 years old;

Have legitimate occupation and stable source of income, and have the ability to repay the loan on schedule ability to pay principal and interest;

No illegal conduct;

Good credit report, bad credit record;

Be able to provide valid rights pledge guarantee recognized by the bank or be able to legally Valid real estate as mortgage guarantee or third-party guarantee with repayment capacity;

Open a bank personal settlement account, and agree to the bank deducting the principal and interest of the loan from its designated personal settlement account;

The property rights of the house are clear and meet the conditions for listing and trading stipulated by the state;

The property can be circulated in the real estate market without any other mortgage;

The age of the house is consistent with the loan application period It cannot exceed 40 years;

The mortgaged house is not included in the local urban reconstruction and demolition plan, and has a real estate certificate and land certificate issued by the real estate department and the land management department;

Bank regulations other conditions.

Real estate mortgage loan preparation materials:

Original and photocopy of ID cards of borrower and spouse;

Original and photocopy of household register of both borrower and spouse;

Proof of marital status;

Original house purchase agreement;

Original and copy of advance payment receipt for house price RMB 30 or more;

Income Proof;

Bank statement;

Education certificate;

Bank deposit certificate;

Other proof of financial resources;

The developer's collection account number;

Other materials specified by the bank.

Real estate mortgage loan process:

The borrower opens a current deposit account at the bank;

Prepares the information required for the loan;

Interview Bank;

Bank filing and approval;

After the bank is approved, it will notify the borrower of the approval result and sign a loan contract with the borrower;

Go to the Construction Committee Make mortgage registration;

The construction committee issues other rights certificates;

Go through insurance, notarization and other procedures as appropriate;

The bank will directly transfer the loan to the contract stipulated in the contract. in the account;

The borrower repays principal and interest according to the provisions of the loan contract.